Tips for Insuring Your Cafe Racer

Cafe Racer Insurance

Peter Laczko, Insurance Agent

We wanted to give you some insight and advice about insuring your Cafe Racer motorcycle.
So, we interviewed an expert.

Peter Laczko,  who owns, works with various insurance vendors and specializes in insuring
motorcycles and other toys. Here are a few of his answers to our questions. Have questions of your own, let us know
or email Peter at

 1) What’s the most challenging thing about insuring a Cafe Racer motorcycle?
If the bike is not a common bike like a Harley or Yamaha or Honda, you’ll need a appraisal or bill of sale if it is a new purchase.
But any bike can be insured, even if it is homemade.

2) Why is it so important to insure your motorcycle? Is it more about coverage or liability?
Both are very important because you are always responsible if you hurt
someone and if you are carrying a passenger. Coverage is also important
if you have a lot of accessories on the bike or have a lot of money
invested. But if you don’t have a lot of money in the bike, then you
might consider just liability.

The most important coverage is the uninsured motorist coverage, which covers you
for medical and lost wages if you get hurt by someone who has no insurance or not enough insurance
to cover your medical bills. For example, if you were hurt in an accident and it was the other person’s fault,
and you were laid up in the hospital for six months, do you have medical insurance and do you have disability
insurance to coverage your lost wages?

3) Do all insurance companies offer coverage for motorcycles?
No, very few companies offer motorcycle insurance. represents six major
companies and has the ability to shop the rate with all of them.

4) What types of questions should motorcycle owners ask when they are looking for the right insurance company?

Can I get replacement cost on the bike in case it is stolen or not repairable after an accident?

What are my deductible options?
Usually you have the option of $100, $250, $500, or $1,000. Going to $1,000.00 can usually save you a lot of money.

After an accident is the company going to give me new parts or are they going to give me refurbished parts?

Can I get a discount for the motorcycle safety course, experience discount?

Can I get a discount if I have insurance now
with another company?


5) What are some discounts that Cafe Racer Motorcyclists should know about?

Motorcycle license discount

Riding group discount

USAA discount

Lojack security

Anti lock brakes



We hope these answers have been helpful. Please let us know about topics you’d like to see covered.